Nope, not usually. I may have 20 bucks on me, but other than that if I lose my wallet I lose my cash. Than ain't happening.
My bank does not charge me for checking or using my debit card. I have had my card information stolen a few times (twice in one year at 2 different gas stations lol) and I had to dispute the charges and cancel my card. I had to go into the bank to get cash to live on for a little while until I got a new card. No big deal. Recently had to do the same for my wife. Someone had paid spectrum in Texas $432. That's quite an internet bill! We got it back.
I just keep an eye on our bank account and dispute any charge I know we didn't make. Cash really means nothing now, it's just paper. If you want real value you buy precious metals, but no one is going to carry that around because no one deals in it. Cash is only good when networks go down, which isn't often and it's usually not for very long.
Debit card, phone... Doesn't matter, I can pay. No need to carry paper that can be lost, I can replace cards.
Spyderco : Resilience, Tenacious, Persistence, Manix 2 G10, Para 3 G10, Para 3 LW, Paramilitary 2,
BBS Paramilitary 2, Amalgam, Native Chief, Blade HQ Manix 2 XL, Shaman, Gayle Bradley 2, DLC M4 Shaman
Kershaw : Tone, Thermite, Atmos, Natrix 7007cf, Natrix 7008cf, Bareknuckle 7777, Bareknuckle 20cv, Concierge, 7777CFM390 Bareknuckle
Zero Tolerance : 0566CF, 0770CF, 0770GRYBW, 0562CF, 0470, 0456CF, 0095BW, 0801TI
Ontario : Rat 1
CRKT : Caligo
Civivi : Plethiros, Baklash, Incite, Vexer
Cold Steel : AD10, 4Max Scout, SR1 Lite
Benchmade : 810-1401 Contego, 15080-2 Crooked River, 15080-Custom Crooked River, 560BK-1 Super Freek, 15085 Mini Crooked River, 15085-Custom Mini Crooked River, 940-2, 550-1 Griptilian, 950bk Rift, 940-1, Custom Sheepsfoot Griptilian
Buck : 110, Bucklite 422, 110 LT, 110 Slim Select, 112 Slim Pro, Custom 110, 1978-79 110
Artisan : Tradition
Hogue : Ritter RSK MK1-G2
Kabar : Becker BK2 Campanion
Hinderer : XM-18, XM-24